At a glance product summary:

0% on balance transfers for up to 12 months from the date your account is opened (3% handling fee, £3 min). For this great offer your balance needs to be transferred within the first 90 days of your account opening

0% on money transfers for up to 12 months from the date your account is opened (4% handling fee, £3 min). For this great offer your balance needs to be transferred within the first 90 days of your account opening

0% on card purchases for up to 10 months from the date your account is opened

Representative example 16.9%p.a. variable on card purchases. This is equivalent to 16.9%APR representative variable based on a credit limit of £1,200.

In order to view the card terms & conditions on this site, you must have Adobe Reader software installed. If you do not have this or experience difficulties when trying to view the PDF, please visit the Adobe website to download and install the software.

If you spend on your card and do not pay this in full each month, interest will be payable on the amount outstanding.

*The programme rules of the AA Rewards scheme are available at www.theaa.com/credit-card/rewards and will also be sent with your card.

†Motoring spend on your AA Credit Card is defined as card purchases made from any car garage (for example, for parts, repairs, servicing or MOT testing); to diesel, petrol or LPG Autogas purchased from any petrol station. AA Products are defined as any AA products and services advertised on theaa.com website, excluding AA Gateways, which are purchased directly from The AA.

Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or Smartphone sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

AA Financial Services Limited trading as AA is a credit broker/intermediary and introduces customers to MBNA as its exclusive Credit Card partner.

You have the right to withdraw from the credit agreement within a period of 14 calendar days after the agreement is
made,
(i.e. when your application is approved and we have received from you and processed your signed credit agreement) or if
later, 14 calendar days after you have received a copy of the agreement.
You must pay your whole balance in full (including all interest accrued to the date you pay it and charges and fees
properly due) without delay and no later than 30 days after notifying us if you wish to withdraw from this agreement.
Where you borrow credit during the withdrawal period, we will tell you without delay on request the amount
of interest payable per day.

If you wish to withdraw from this agreement, you must notify us by either calling 0800 062062 or writing, to PO Box 1004, Chester Business Park, Chester CH4 9WW

Your credit card is accepted in most countries throughout the world - wherever the corresponding Visa®,
MasterCard® or American Express® logo is displayed.

Use your credit card to shop in store, online, or to withdraw cash from an ATM or over the counter.

You can also make a transfer request*, either as part of your application, or once you've received your new credit
card. Choose to transfer money to your current account, or to move a balance from an existing credit/store card.

You can make a transfer request* as part of your application - choose to transfer money to your current account, or to
move a balance from an existing credit/store card. You'll need your existing credit/store card or current account details
to hand.

Alternatively, when your new credit card arrives, log in or register for Online Card Services to make a transfer
request securely and at your convenience.

*Handling fees apply - refer to the terms and conditions for full details.

With a balance transfer, you can move an outstanding balance from another credit or store card to your credit card
account. People often do this to make managing their finances easier, or to take advantage of a lower/promotional
interest rate.

You will be required to make a minimum payment to us by the due date each month. The minimum payment will be:

the balance on your statement if it is £25 or less; or

the greater of £25 or 1% of the balance on your statement before any default charge(s), card fee(s) and interest
(to which we will then add an amount equal to the default charge(s), card fee(s) and interest); plus the amount of any
arrears, which are repayable immediately.

If a balance of £1.00 or less is left after we have worked out your minimum payment we will also include that amount
in your minimum payment.

If you receive a refund or credit to your account after your statement date, you must still pay at least the minimum
payment that we have asked for.

Yes, you can choose up to three additional cardholders at no extra cost. Additional cardholders will receive their
own credit card and PIN, giving them access to your credit limit and to your account information.

Additional cardholders must reside at the same address as the main cardholder and be at least 18 years of age.
They must also be a close family member (i.e. your spouse, child, parent, sibling or domestic partner).

You can choose one additional cardholder as part of your application - you'll just need to provide their full name and
date of birth. Alternatively, when your new credit card arrives, log in or register for Online Card Services to nominate
your additional cardholders.

Remember: credit card transactions made by any additional cardholder are your responsibility to repay,
i.e. as the main cardholder.

If your credit card is used without your knowledge or consent you won't be liable for the value of those
transactions, providing you contact us immediately in the event of your credit card being lost or stolen,
or if you identify a transaction that was not made by you or any additional cardholder.

We will charge you handling fees for balance transfers, money transfers and cash advances (i.e. obtaining cash or
cash substitutes by use of your credit card or card number, including cash withdrawals from an ATM or over the counter,
buying non-sterling currency or traveller's cheques, paying for gambling transactions or making electronic cash
transfers other than money transfers). Transactions made in a currency other than sterling, that we then have to convert
into sterling, will also attract a non-sterling transaction fee. The fees that apply to each type of transaction will
be set out in the terms and conditions for the particular product that you are applying for.

For each type of transaction you make using your credit card, you'll incur a different interest rate - these
rates are detailed in the terms and conditions of the product you're applying for, so make sure you familiarise
yourself with them.

We reserve the right to change your interest rates based on factors such as how well you manage your credit
card account - naturally we'll inform you before doing so, but it is in your interest to manage your credit
card account sensibly.

To opt out of a rate increase, you'd need to contact us - you wouldn't be able to use your credit card
account to make transactions any more, but you would need to continue making payments until your outstanding balance was cleared
in line with your terms and conditions.

You may be offered a promotional rate from the date your credit card account is opened - these tend to have an
expiry period as detailed in the terms and conditions of the product you're applying for.

We may, at our discretion, offer you future promotions - related terms and conditions will be issued if
and when an offer is made.

It is possible to lose a promotional rate if you breach the terms and conditions of your credit agreement,
e.g. if you exceed your credit limit or fail to make a payment by the due date shown on your statement.
If your promotional rate is withdrawn, your outstanding balance will be charged at the standard rate,
as detailed in your terms and conditions.

If you break your agreement we will charge you for our reasonable costs or losses, including as follows:

£12.00 each time the minimum payment does not reach your account by your payment due date (your minimum
payment will be deemed not to have reached your account by your payment due date if the payment you have
made does not clear);

£12.00 each time a direct debit, cheque or other item is returned unpaid;

£12.00 if you are over your credit limit on your statement date.

You may be charged more than one default charge in any month.

As a responsible lender, MBNA will do all we can to assist customers who are experiencing financial difficulty. If you need help, please contact us on 0800 062062. You'll also find helpful information at our website: mbna.co.uk

We report any incidence of non-payment to credit reference agencies, which could have negative effect on your
credit rating and make it harder and more expensive for you to get credit in future.

If you fail to repay what is owed we may take legal action either in court or by obtaining orders for bankruptcy,
charging orders, an order for sale in Scotland, an inhibition order or an adjudication.
In these circumstances you may be liable for associated legal costs.

Yes, you can apply for another credit card issued by MBNA, however you may wish to wait for a period
between applying as various factors may affect how likely it is that you'd be approved - for example, a
short credit/repayment history.

As a responsible lender, we assess what you can reasonably and sustainably afford to repay, taking
into account factors including your income and the total amount of credit already available to you.
This may affect our decision.

Important: you cannot transfer a balance between credit cards issued by MBNA.

No, however if you were declined very recently you may wish to wait before applying for credit again.
Should your circumstances change we may consider an application from you again in the future. Please wait 6 months before applying.
Multiple refusals in a short period can negatively impact your credit record, which in turn may discourage
lenders from offering you credit.

We use your credit record to assess the risk of offering you credit - the better your rating is, the better
chance you'll have of being approved for a credit card. You can improve your rating over time:

Make sure you're on the electoral register - this is widely used to verify your address

Defaults and CCJs will still show on your credit record, but are viewed less negatively if they're settled

Check your credit report regularly and report inaccurate information.

If you decide to apply, give as much information as possible - remember your credit record will highlight
any irregularities.

As a responsible lender, we assess what you can reasonably and sustainably afford to repay, taking into account
factors including your income and the total amount of credit already available to you. This may affect our decision.

Before you submit your application online, you'll be asked to read and accept the terms of your credit agreement -
at this point you can print or save a copy of the terms and conditions. If your application is approved, a copy of the terms and
conditions will also be provided along with your credit card, which should be delivered within 7-10 business days.

If you need another copy of your credit agreement in future, please contact us.

Credit card(s) are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ.
Registered in England and Wales under company number 02783251.

MBNA is regulated by the following regulatory agencies and self-regulatory bodies.

Regulatory agencies:Financial Conduct Authority
MBNA Limited is authorised and regulated by the Financial Conduct Authority (FCA). MBNA Limited is also authorised by the Financial Conduct
Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services.

The FCA regulate the financial services industry in the UK. Their main aim is to protect consumers, ensure the industry remains stable and
promote healthy competition between financial services providers. The FCA have rule-making, investigative and enforcement powers that they use
to protect and regulate the financial services industry.

Information Commissioner's Office
The Information Commissioner's Office (ICO) is an independent official body. The Commissioner is responsible for administering the provisions of
the Data Protection Act 1998 and the Freedom of Information Act 2000.

The ICO is set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals.

MBNA must notify the Information Commissioner's Office of certain details about the processing of personal data through the Annual Registration
process. MBNA are responsible for keeping the register entry up to date and accurate.

For further information visit: ico.org.uk/

OFCOM
OFCOM is the communications regulator. OFCOM operates under the Communications Act 2003.

For further information visit: ofcom.org.uk

Self-regulatory bodies:Finance & Leasing Association
The Finance & Leasing Association is a trade body for the asset, consumer and motor finance sectors in the UK, and the largest organisation of its kind
in Europe. Its members include banks, subsidiaries of banks and building societies, the finance arms of leading retailers and manufacturing companies,
and a range of independent firms.

MBNA Limited are full members of the FLA. All FLA members must comply with the standards specified in the FLA Lending Code, which sets out best practice
in consumer lending. It is intended to provide assurance to customers that they may buy with confidence from full members of the FLA. It contains key
commitments about how customers should be dealt with through the whole product life cycle, from marketing and account opening to also include detail on
how to help when something goes wrong; for example when someone is experiencing financial difficulties. The FLA member companies will meet the standards
set out in the Code and the FLA monitors companies' performance in doing so.

For further information visit: financeleasingassociation.co.uk

Lending Standards Board
The Lending Standards Board (LSB) are the regulatory body who govern The Lending Code. This is a voluntary code that MBNA Limited subscribes to.

The Lending Code sets standards of good lending practice in relation to loans, credit cards and current account overdrafts. The Code contains key
commitments and detailed notes on how customers should be dealt with through the whole product life cycle, from marketing and account opening, maintenance
and the provision of information on changes to terms and conditions and interest rates. Important protection is also included to help when something
goes wrong, including when someone is experiencing financial difficulties.

Couldn't find the answer in our FAQs? No problem - if you'd like more information about our products and services, including interest and
promotional rates, we can answer your questions by telephone.

You can contact us on: 0800 917 8612

Please note: the information on this page is not intended to be taken as financial advice or recommendation.
You should seek independent financial advice if you're unsure about your financial needs.

Cookie Policy

What are cookies?
Cookies are small text files which are stored on your computer or mobile device when you visit some websites. They enhance your browsing experience in various ways, such as remembering your preferences, displaying relevant content and ensuring pages function as intended.

What are cookies used for?
Necessary cookies
Some cookies are essential for enabling you to use a website and its features fully and conveniently. For example, when you log in to Online Card Services, our SiteKey® system recognises the cookie stored on the computer you usually use. If you log in from another computer, you'll be presented with additional security questions.

Performance cookies
These cookies collect information about how visitors use a website, such as the pages you visit most often and any points at which you experienced difficulty (i.e. where error messages were triggered). This information helps us to identify service improvements. We're particularly interested in which internet browser you used to visit our website, how long you visited and which pages you looked at.

Functionality cookies
These cookies remember the preferences you make when visiting a website, for example the language you want content to be shown in, or the size of the font. We also use these cookies to test new pages, or to display more relevant product and service advertisements to you based on your activities at our website. They may also be used to provide functionality such as video content.

Third party cookies
We often enlist the expertise of third party companies to collate and analyse information about customer activities, helping us to identify service improvements. We also use third party cookies to test new pages, or to display more relevant product and service advertisements to you based on your activities at our website.

Targeting cookies
These cookies gather information about your browsing behaviour. Without these cookies, online advertisements you see may be less relevant to you and your interests.

Types of cookie:
Session cookies
These last for the duration of your visit only and are deleted when you close your browser. Session cookies are typically used to track your movements from page to page and to remember the information you enter within that session, often supporting website functionality or security.

These cookies make websites easier to use as you won't need to repeatedly log in, or re-enter information as you browse. A good example is an application form - perhaps you complete the first few pages, but realise you need to make a change on the first page - the information you entered will be stored, so you don't need to start all over again.

Persistent cookies
These are stored after your visit and are not deleted when you close your browser. Persistent cookies are typically used to remember your preferences for future visits and are sometimes used to provide targeted advertising, based on your activities on a website.

These cookies make websites easier to use as you won't need to repeatedly select your preferences each time you visit. A good example would be a website with language settings - perhaps you choose to change the content language from English to French. The next time you visit the website, your preference will be remembered.

Want to know more about cookies? The Interactive Advertising Bureau has produced a guide which explains how cookies work and how they are managed - visit www.allaboutcookies.org to read more.

Cookies we useHere's a list of the cookies we use and what they're for:

Cookie name:

Description:

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These cookies are linked to Google Analytics, a tool which enables us to track and evaluate your activities at our website, helping us to identify service improvements.

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Enables us to track your activity within our website so that we can tailor our product and service advertisements, so they're more relevant to you in future.

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We use this cookie to provide more relevant product and service information to you, based on your activities on our website.

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These cookies ensure that functionality on our online application forms perform as intended, so you can complete them without difficulty.

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We use this cookie to provide more relevant product and service information to you, based on your location and the type of account you hold with us.

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This cookie enables us to keep track of the advertisements we've already displayed to you, so in future we can show you something different.

Using this cookie we recognise when you're logging in to our Online Card Services site, so we can complete appropriate security checks.

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We use this cookie to track your activities at our website.

Language

This cookie enables us to store your language preferences, so we can provide content (if available) in that language/format.

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These cookies enable us to store information from live-chat conversations completed on our website.

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These cookies enable us to store your preference for cookie notifications.

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External links
On our websites you may find links to external websites - these are provided for your convenience, but we don't endorse, guarantee or monitor products, services, or views which they offer or express. Please be aware that these websites should be covered by their own cookie policies.

Cookie settings
You can control how cookies are placed on your computer or mobile device by changing your internet browser settings (via the 'Tools' menu).

If you choose to block all cookies, you may experience difficulty when using some online services. Some website functionality may not perform as intended, your preferences won't be stored and you may not receive advertisements about offers which would be relevant to your interests/needs.

You can however allow cookies from specific websites by making them "Trusted websites". Please refer to your internet browser provider for further guidance.

Please note: if you use multiple internet browsers/computers/mobile devices, you'll need to update your settings on each in order to disable cookies completely, should you wish to do so.

You can delete any existing cookies from your browser, and if you completely disable cookies we won't gather any further information, but we may still use information collected in the past.

Want to know more about cookies? The Interactive Advertising Bureau has produced a guide which explains how cookies work and how they are managed - visit www.allaboutcookies.org to read more.

Cookies do not capture information identifiable to you. All information is encrypted for security.

Cookie policy changes

MBNA may change this cookie policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this cookie privacy policy occasionally so you're aware of any changes. By using our website you accept this policy and that we may store and access cookies on your device.

This cookie policy was last reviewed in January 2013.

This cookie policy is published by MBNA Limited registered in England and Wales under number 02783251. The Registered Office address is Stansfield House, Chester Business Park, Chester CH4 9QQ. If you need assistance, please contact us.